Payment Policy

Last updated: September 1, 2026

At Luma Collective, we are committed to providing a secure and transparent payment experience for our customers in the United States.

Secure Payments

Our website uses SSL encryption to help protect personal and payment information transmitted during checkout.

Payments are processed through secure third-party payment providers. Luma Collective does not store or have access to your complete payment card details.

Payment Methods

We accept the payment methods displayed at checkout, which may include:

Visa
Mastercard
American Express
UnionPay
Apple Pay
Google Pay
Shop Pay

Availability may depend on the device, browser, payment provider, or checkout method used.

All product prices and payments on Luma Collective are displayed and processed in United States Dollars (USD).

Payment Processing

Payment is authorized and processed when you complete your order at checkout.

If a payment cannot be authorized, your order may not be completed. In some cases, your bank or payment provider may place a temporary authorization hold on your account.

Payment Security

Our payment providers use industry-standard security measures and operate in accordance with applicable Payment Card Industry Data Security Standard (PCI DSS) requirements.

Your full payment card number is handled directly by the payment provider and is not stored by Luma Collective.

Billing Information

Customers are responsible for providing accurate and complete billing and payment information when placing an order.

For fraud prevention, security, and payment verification purposes, an order may be reviewed, delayed, or declined if the information provided cannot be verified.

Taxes

Applicable sales taxes, where required, are calculated and displayed during checkout.

The final amount charged will be shown before you complete your purchase.

Privacy

We handle personal information in accordance with our Privacy Policy.

Information collected during checkout is used for legitimate purposes related to processing payments, fulfilling orders, customer service, fraud prevention, and other purposes described in our Privacy Policy.